I have no idea if this article is reliable or not, but it seems understandable for non-tech readers. It also supports exactly what I said. Do whatever you like.

http://www.tweak-uac.com/what-is-uac/

Quote - How does UAC protect us? Since the virus infects your computer when you use it as a standard user, the virus cannot get access to the global system resources, and therefore the amount of damage it can do is severely limited. Although it still can corrupt your documents and read your email, it cannot infect Windows system files or install itself to be automatically activated everytime you login to the computer. If a virus attempts to modify the system files and settings, UAC will alert you by displaying an elevation prompt.

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Renderosity forum reply notifications are wonky. If I read a follow-up in a thread, but I don't myself reply, then notifications no longer happen AT ALL on that thread. So if I seem to be ignoring a question, that's why. (Updated September 23, 2019)